Date Received: 2023-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I noticed that XXXX XXXX XXXX was pulling my credit and I called them to ask them what they were pulling my credit on and they told me they were trying to pull it on two things Capital One from XX/XX/XXXX and XXXX from XX/XX/XXXX. So this one that is 15 years old & one that is 26 years old. They were both discharged in bankruptcy 13 years ago but they're still pulling my credit they can't prove that I owe the debt they can't prove that they have the right to go after this debt and they can't prove that they're out the right after the limitation that has expired
Company Response:
State: IN
Zip: 47803
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My Capital One Walmart Rewards card ending in XXXX had a {$0.00} balance in XX/XX/2022. Since then, charges and credits have appeared on the card that I have not authorized.
Company Response:
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Account activity from XX/XX/2023, onward is fraudulent on Capital One credit card ending in XXXX. I am not in possession of said card.
Company Response:
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXXXXXX XXXX XXXX I sent all 3 credit bureaus as well as these creditors XXXX XXXX XXXX KOHLS/CAPONE, XXXX XXXX XXXX XXXX XXXX THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING THE LAW
Company Response:
State: NY
Zip: 11763
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Capital One has not addressed any of the issues that were placed in the complaint. This issue did not start in XX/XX/2020 ; it started in XX/XX/2020. A letter was sent to an address where I did not live but was not made aware of it until I called Capital One later. I was told by one of the reps that my payment was supposed to be a certain amount and I paid the amount requested but then later was advised I was supposed to pay the amount in the letter that I never received. The account was restricted then and I was told that even if I pay it off, I won't have access. The payments that Capital One claimed were returned were associated with a card placed online and were locked at the time of the payments. Capital One turns the autopayment on the account when a payment was made over the phone. I explained this to Capital One reps several times and they were supposed to pull reports to verify but they haven't since XXXX. In closing, Capital One has not provided any explanation for the issues I outlined and then has the audacity to claim that payments were returned even when the online card is a Capital One debit card. None of these payments were returned for insufficient funds, it was returned because the card was locked. All of these returned payments were explained to the reps several times but Capital One still claims that these payments were returned due to my fault. I have never made an autopayment to Capital One since XX/XX/2020, but it was made manually. Please address my concerns.
Company Response:
State: MO
Zip: 63108
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I was informed that I owed {$19.00}, XXXX on a XXXX XXXX XXXX capital one credit card ( XXXX ) of which I did not apply for. Obviously, someone fraudulently was able to use some of my information to open the account. When I told capital one that I don't have a card ending in XXXX they did an investigation and concluded that the card belongs to me. I challenged their conclusion and they have re-initiated another investigation. I have filed a police report ( XXXX XXXX XXXX, case # : XXXX ), put a freeze on my credit and filed a fraud report with Social Security.
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello, In XXXX of this year I noticed two hard inquires on my credit from the XXXX XXXX app made on XX/XX/22. One was for XXXX XXXX and the other as for capital one. I dont have open accounts/credit cards for any of these banks nor did I apply for one. I am making this complaint because I got in contact with the credit bureau and they advised me to make a complaint first so they can then investigate my case.
Company Response:
State: FL
Zip: 32822
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: In 2022 XXXX, My Capital one account got fraudulent money from XXXX. Scammer use my account info to scam money from other individual. as a result, My account was closed and money was disappeared ( including my money ). I called capital one serval time to resolve this. They think i'm the scammer. refuse to open new account. The money was reversed to victim and i'm left with bad credit score and lost money. I don't like to ask for the money to be reimburse. I want just checking account to pay my credit card bill that i have in Capital one.
Company Response:
State: DE
Zip: 19808
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I was significantly overcharged on my Capital One credit card for a taxi fare while traveling abroad in XXXX XXXX. I almost immediately disputed the charge and Capital One opened an investigation. The merchant did not request my signature and would/could not provide me a receipt and the time of transaction. The agreed upon fare and what I was shown on the handheld card reader was XXXX {$700.00} ( XXXX {$40.00} ). Later, the charge appeared on my card at USD {$290.00}. After my unsuccessful attempt to settle the dispute with the merchant, Capital One claims the merchant was able to provide proof of payment - a signature. I never provided a signature, and Capital One will not provide me with documentation of this forgery. I then submitted a formal written complaint explaining the incident to Capital One and was nearly immediately rejected. There has been a complete disregard for consumer protection. My request to replace my account number for fear it's been compromised have gone unanswered. And the original date of the transaction was XX/XX/2023, and this dispute has still not been resolved.
Company Response:
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In XXXX I became permanently XXXX and receive XXXX. In XXXX I began the daunting and exhaustive task to repair my credit that, in XXXX, was negatively impacted by an extended health issue. I paid off debts and worked closely with all major credit agencies by providing validation and related documentation. My Dad told me credit is more valuable then money so being creditable brought me a great feeling of power, pride, and the wisdom gained by humility In XXXX, my credit scores were in the XXXX range. One of six credit-establishing credit cards was Capital One. I was approved for {$500.00} then ( without a request for an increase by me ) raised to {$2500.00}. I always paid the monthly balances on all accounts. I remained vigilant checking my credit reports and scores in check. In XXXX Cap One lost a {$1200.00} check representing the balance of the XXXX statement. I provided the documents that CAP ONE needed to begin an investigation. From XX/XX/XXXX through XX/XX/XXXX I did my due diligence and called, emailed, submitted documents and spoke many times with CAP One. I continued to make many large payments so my account stayed in good standing. Finally in XX/XX/XXXX {$1200.00} was posted to my account. Then events created by CAP and the missing {$1200.00} started to take a toll on my credit scores. In XX/XX/XXXX I received a letter indicating that Cap One didnt have enough documents for an investigation. {$1200.00} was added to my to my balance due increasing it to {$1800.00} and charging me high interest rates. I request a credit increase of {$1200.00} in an effort to keep my total available credit up and usage down and my credit wasnt negatively impacted. They declined it citing high usage and inquiries were too high. Since I opened the CAP ONE credit card, Ive always paid the statement balance and was never charged interest. As of todays date my available credit is {$900.00} and my balance {$1600.00} and Capital One continues to charge me interest. This situation has made a negative impact on my credit reports and scores because my available credit went down, and my usage and inquiries up. I even got declined for an auto loan by Capital one citing the same reasons- which they created. Exasperated, On XX/XX/XXXX I wrote an email to the CEO and CFO of Capital One asking for help about the {$1200.00} problem but no reply. I dont believe in coincidences- on exact date of the email ) XX/XX/XXXX ) my calls to Capital One were unwittingly transferred to the Recovery Department . The harassment began by Cap Ones unwanted and underhanded actions were was I was told Cap One is attempting to collect a [ past ] debt. And started to record the conversation. I cut them off and told the recovery department that this practice of transferring my call is deceptive and illegal. When rerouting my calls continued to happen, I would hang up. Then when the last rerouted call happened, I told them their actions are illegal and this was the first time Cap One tried to collect a debt. But the methods they were using are against consumer laws. The calls were unexpected and I was tricked. When I told them to stop calling me, the rep said, but we didnt call you. That remark made me realize they knew exactly what they were doing through untoward trickery. The rerouted calls stopped and then Cap One began calling me relentlessly and left voicemails without identifying themselves as Capital One Recovery. For instance the following are exact messages left on my XXXX : Good morning this message is for XXXX XXXX this is XXXX with capital one so sorry to have missed you if you could please give us a call back at your earliest convenience my number is XXXX and our extension is XXXX XXXX thank you... Hi this message is for XXXX XXXX this is XXXX senior account manager with capital one if you could please return our call at XXXX extension XXXX thank you and have a great day... Ive never received any validation documentation from Cap One regarding a past debt and nothing has been reported to any credit agency. On XXXX I received a collection letter from XXXX XXXX XXXX XXXX for an unpaid balance of {$1000.00} due to CAPITAL ONE BANK USA ) N.A. It had no validation. In conclusion, instead of help with the {$1200.00} problem, I was subjected to unlawful scrutiny enacted by false claims of an unsubstantiated debt that has nothing to do with the missing {$1200.00} payment. Cap Ones abusive collection tactics oppressed me by a sense of failure and impeded my creditworthiness when I was turned down for auto loans because of high credit usage and inquiries - that cited usage and inquiries are a result of CAP ONEs multiple inquiries and {$1200.00} added to my usage. As of today, the check is still lost. I was subjected to corrupt collection practices when my calls were rerouted to recovery for a conjured up and a fallacious debt without written validation I have been turned down for credit cards and auto loans citing high usage and multiple inquires. This is the direct result of Capital Ones untoward business practices.
Company Response:
State: OH
Zip: 43055
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A